Please note that the information you are viewing is 106 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 127 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Pak Oman Microfinance Bank Limited 2nd Floor, Tower "C", Finance and Trade Centre (FTC), Shahra-e-FaisalKarachi, Sindh
Data approved: 2015-05-11
Data version: 2
Age of data: 106 months

Institution

Akiba Commercial Bank Plc PO Box 669Amani Place Building, Ohio StreetDar es Salaam255
Data approved: 2013-08-28
Data version: 1
Age of data: 127 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.pomicro.com
Year established2006
Head of InstitutionMunawar Suleman
Regions activeBalochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh
# Branches21

Total Portfolio (nat'l)PKR 284,661,818
Total Portfolio (USD)USD 2,795,379.05
Active clients with loans8,529
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.acbtz.com
Year established1997
Head of InstitutionJohn Lwande
Regions activeArusha, Dar es Salaam, Dodoma, Kilimanjaro
# Branches16

Total Portfolio (nat'l)TZS 63,080,526,795
Total Portfolio (USD)USD 39,673,287.29
Active clients with loans27,490
Approximate % female clients40% - 60%
Approximate % urban clients100%
Network affiliationsTanzania Association For Microfinance Institutions-TAMFI
FundersACCION International, SIDI, Stichting Hivos-Triodos Fonds, INCOFIN CVSO, Parastatal Pension Funds (PPF)

Loan Products » Summary

MEL
5,514 Borrowers
USD 1,887,448 Portfolio
Active Product
MBL
2,074 Borrowers
USD 469,873.41 Portfolio
Active Product
38 Borrowers
USD 3,444.35 Portfolio
Low Volume Product
LSL
903 Borrowers
USD 434,613.29 Portfolio
Low Volume Product
MAL
Retired Product
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

13,606 Borrowers
USD 29,226,615.07 Portfolio
Active Product
10,387 Borrowers
USD 3,091,807.91 Portfolio
Active Product
2,755 Borrowers
USD 4,096,010.96 Portfolio
Active Product
247 Borrowers
USD 438,094.50 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Enterprise Loan PKR 20,000 - 150,000 12 - 36 0% - 20% 80% - 100% Business Women, Men, Have business
Micro Business Loan PKR 10,000 - 40,000 12 - 24 20% - 40% 40% - 60% Business Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Biashara Loans ( Individual) TZS 500,000 - 50,000,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Specific age group Credit Ins
Solidarity Group Loans TZS 200,000 - 3,000,000 3 - 12 60% - 80% 100% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins
Consumer Loans TZS 100,000 - 35,000,000 6 - 36 20% - 40% 100% Any Purpose Women, Men, Salaried worker, Specific age group Credit Ins
Home Improvement Loans TZS 500,000 - 20,000,000 3 - 12 40% - 60% 100% For house renovation purpose Women, Men, Have business, Have home or land, Specific age group Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Enterprise Loan 35.5%-38.0% annual, Decl Bal 1 Fee 0 Ins None N/A 39.5% - 41.3% 39.5% - 41.3% 87
Micro Business Loan 35.5%-38.0% annual, Decl Bal 1 Fee 0 Ins None N/A 38.6% - 41.3% 38.6% - 41.3% 87

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biashara Loans ( Individual) 20.0%-22.0% annual, Flat 2 Fees 1 Ins None N/A 40.1% - 46.7% 42% - 50.4% 45
Solidarity Group Loans 27.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 47.2% - 47.6% 72% - 74.5% 36
Consumer Loans 18.0% annual, Flat 1 Fee 1 Ins None N/A 30.9% - 44.7% 32.2% - 57.5% 48
Home Improvement Loans 19.5% annual, Flat 2 Fees 1 Ins None N/A 36% - 37.6% 38% - 39.6% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Enterprise Loan 35.5%-38.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 39.5% - 41.3% 39.5% - 41.3% 87
Micro Business Loan 35.5%-38.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 38.6% - 41.3% 38.6% - 41.3% 87

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biashara Loans ( Individual) 20.0%-22.0% annual, Flat 2 Fees 1 Ins Ins None N/A 40.1% - 46.7% 42% - 50.4% 45
Solidarity Group Loans 27.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 47.2% - 47.6% 72% - 74.5% 36
Consumer Loans 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 30.9% - 44.7% 32.2% - 57.5% 48
Home Improvement Loans 19.5% annual, Flat 2 Fees 1 Ins Ins None N/A 36% - 37.6% 38% - 39.6% 50
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